Polynesia · Comparison
Deblock vs Banque de Polynésie
Banque de Polynésie is part of the Société Générale group: it combines a local presence with membership in a major banking group, with branches, an app and full-service offerings. Since April 2025, Deblock has offered a Pacific franc current account with no account-keeping fee, a Visa card and self-custody crypto, entirely from the app. Here's what sets them apart.
Banque de Polynésie
Deblock vs Banque de Polynésie at a glance
The real difference
Banque de Polynésie is a full-service bank backed by the Société Générale group: branches, advisors, loans, savings, cash deposits. Deblock is not a bank: it's an app that brings together an XPF current account, a Visa card and a crypto wallet whose keys you hold — with no account-keeping fee. Where Banque de Polynésie charges for account-keeping and the card (rates frozen by the 2026–2028 agreement), Deblock keeps the XPF account at zero account-keeping fee.
Banque de Polynésie's strengths
Backed by the Société Générale group, it offers the solidity and tools of a major group: local branches, advisors, loans, savings and the services of an international network. For anyone who wants a group bank with a physical presence in the territory and access to credit, it's a reassuring choice.
Who is it for?
Banque de Polynésie suits anyone who wants a group bank, an advisor in a branch and access to credit. Deblock suits anyone who wants an XPF account with no account-keeping fee, a Visa card, self-custody crypto and access to euros — from their phone. Many people keep both: the bank for credit and cash, Deblock for a fee-free everyday account and crypto.
Frequently asked questions
Does Deblock replace Banque de Polynésie?
Not necessarily. Banque de Polynésie offers services an app can't cover (loans, cash deposits in branch, an advisor). Deblock brings an XPF account with no account-keeping fee, a Visa card and self-custody crypto. The two can be complementary.
Is Deblock a bank?
No. Deblock is not a bank: it's an app that brings together a current account and a self-custody crypto wallet, registered with the AMF as a digital asset service provider.
Does Banque de Polynésie offer crypto?
No. Like the other Polynesian banks, Banque de Polynésie doesn't offer buying or holding cryptocurrencies. Deblock, on the other hand, includes a crypto wallet whose keys you hold.
How can I compare the fees precisely?
The exact fees are listed in Banque de Polynésie's official fee schedule and on the public comparison site tarifs-bancaires.gouv.fr, both always up to date. On the Deblock side, the XPF account has no account-keeping fee.
The verdict
For the solidity of a major group, in-branch advice and credit, Banque de Polynésie keeps the edge. For a Pacific franc account with no account-keeping fee, a Visa card and self-custody crypto, Deblock is an ideal complement — often alongside your local bank.
Open your Deblock account in XPF
Open a Deblock accountIndependent comparison, for informational purposes. Guide-deblock.com is independent and not affiliated with Banque de Polynésie or the Société Générale group. The official rates are authoritative and may change — check them before making any decision. Data current as of June 2026.